Bankwest Breeze Classic Mastercard

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Save money with a 0% interest rate on balance transfers for 6 months.

Repay your existing card debt with a 0% interest rate on balance transfers for 6 months (2% balance transfer fee applies). At the end of the promotional period, any remaining balance will revert to the standard interest rate of 12.99% p.a.

0% p.a.

Balance transfer rate

for 6 months with 2% balance transfer fee

12.99% p.a.

Purchase rate

$79 p.a.

Annual fee

55 days

Interest free period


Product NameBankwest Breeze Classic Mastercard
Balance transfer rate0% p.a. for 6 months with 2% balance transfer fee
Balance Transfer Revert RateBalance Transfer Revert Rate (12.99%)
Balance Transfer Limit95% of available balance
Purchase rate (p.a.)12.99% p.a.
Annual fee$79 p.a.
Interest free period55 days
Cash advance rate (p.a.)21.99% p.a.
Min credit limit$1,000
Card typeMastercard
Foreign currency conversion fee (Visa/Mastercard)2.95%
Complimentary travel insuranceNo
Minimum Income$15,000
Minimum age18 years of age
Available to temporary residentsYes - Conditions apply
Joint applicationNo


  • 0% p.a. on balance transfers for 6 months
  • Up to 55 days interest-free on purchases
  • Low 12.99% p.a. interest rates on purchases
  • Digital card issued upon approval


  • A 2% balance transfer fee applies
  • Charges a 2.95% foreign transaction fee
Annual fee$79 p.a.
Minimum monthly repayment2% of the closing balance or $20, whichever is greater
Late payment fee$25
Foreign currency conversion fee (Visa/Mastercard)2.95%
Cash Advance Fee2% or $4, whichever is greater
Overseas cash advance fee2% or $4, whichever is greater
Overseas ATM withdrawal fee$4
Additional cardholder fee$0
Number of Additional Cardholders3

Expert review

Sally McMullen

Review by

Sally McMullen is a creative content producer at Finder, co-hosts our Pocket Money podcast and wrote about credit cards for almost five years. Her byline can be spotted on Yahoo Finance, Dynamic Business, Financy and Mamamia as well as Music Feeds and Rolling Stone. She has a Bachelor of Communication and Media Studies majoring in Journalism (Hons) from the University of Wollongong.

Expert review

The Bankwest Breeze Mastercard offers a couple of ways to save on both new purchases and existing credit card balances with a 0% interest rate on balance transfers for 6 months and a relatively low purchase interest rate.

How to apply

You can apply for the Bankwest Breeze Mastercard online and complete the application in around 15 minutes. Before you get started, make sure you meet the eligibility requirements and have all your supporting documentation on hand to speed up the process.

Eligibility criteria

  • Residency. This card is only available to permanent Australian residents or citizens.
  • Eligible balance transfer. Balances cannot be transferred from existing Bankwest-branded credit cards. You can transfer from $500 up to 95% of your credit limit.

Card benefits

  • Balance transfer offer. If you're a new Bankwest Breeze Mastercard customer with existing debt to pay, you can save with 0% p.a. interest on balance transfers for the first 6 months. This offer charges a one-time 2% balance transfer fee to move your debt and any remaining debt will collect the standard balance transfer rate of 12.99% p.a. at the end of the promotional period.
  • Low purchase rate. The Bankwest Breeze Mastercard charges a low ongoing purchase rate of 12.99% p.a.

Rates & fees

  • Annual fee. This card charges a standard annual fee of $79.
  • Cash advance fee. If you use your card for a cash advance transaction (such as an ATM withdrawal), you'll be charged 2% of the transaction amount or $4 (whichever is greater).

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  1. Default Gravatar
    June 17, 2019

    If I apply for a Bankwest Breeze MAstercard credit card, can I balance transfer debt from other credit cards that are in my partner’s name as well as my own?


    • Avatarfinder Customer Care
      June 18, 2019

      Hi Jon,

      Thank you for getting in touch with Finder.

      Yes, you can however you need to have your partner as your additional card holder to process balance transfer with the card under your partner’s name. Please make sure that the total balance transfer amount should not exceed your Breeze card’s 95% credit limit/available balance including the balance transfer fee/s.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    March 22, 2019

    Hi, may I know what is the maximum limit for Balance transfer?

    • Default Gravatar
      March 23, 2019

      Hi Annie,

      Thank you for contacting Finder.

      The maximum balance transfer limit is 95% of the approved credit limit. For example, you have been approved for $5,000, you may use 95% of it which is $4,750 for Balance Transfer.

      I hope this helps.

      Please do not hesitate to reach out again to us if you have additional questions.


  3. Default Gravatar
    March 22, 2019

    Does Bankwest accept a balance transfer from St.George?

    • Avatarfinder Customer Care
      March 22, 2019

      Hello Jellina,

      Thank you for your comment.

      Yes, you can transfer your existing balance from St.George to Bankwest. According to Bankwest credit card terms and conditions, only Australian issued non-Bankwest credit/store cards can be balanced transferred.


  4. Default Gravatar
    March 20, 2019

    Can I transfer from a personal loan to a Bankwest Breeze credit card with 26 months interest-free?

    • Avatarfinder Customer Care
      March 20, 2019

      Hi Sandy,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      I’m afraid you can’t transfer a personal loan to Bankwest Breeze Mastercard Credit Card. It only allows you to transfer a balance from another non-Bankwest credit cards.

      If you want to find credit cards that allow you to transfer personal loan balance, please go to this page. On that page, you will see a table that allows you to conveniently compare cards that let you transfer a personal loan to a credit card. You can compare based on balance transfer rate, purchase rate, and fees, to name a few. Once you found the right one for you, click on the “Go to site” green button to learn more or initiate your application.

      Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  5. Default Gravatar
    November 13, 2018

    Why does it say 0% interest on purchases for the first 13 months, then only 55 days interest-free? Which one is it?

    • Avatarfinder Customer Care
      November 14, 2018

      Hello Tyler,

      Thank you for your comment.

      Please note that the Bankwest Breeze Mastercard offers new customers 0% p.a. interest on purchases for the first 13 months. The interest-free days does not only apply on purchases but it also applies to the overall balance of the credit card. You must pay the closing balance, including any cash advances and balances, to qualify for interest-free days.

      Find out how the 55 days interest-free works here. Also, please check how the 0% interest-free on purchases works here.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


  6. Default Gravatar
    September 6, 2017

    I am an Australian citizen but have been living and working in New Zealand for the past year, can I still apply for an Australian credit card? Will my current overseas address and income details still be valid for an application?

    • Avatarfinder Customer Care
      September 8, 2017

      Hi Matthew,

      Thank you for your inquiry.

      Most credit card issuers would require their applicants to be Australian resident or citizen with a valid physical address in Australia. You’d be best to directly contact the bank first to confirm your eligibility before you apply for a credit card.


  7. Default Gravatar
    February 1, 2016

    Hi what does the 2% transfer fee on balance transfers mean?


    • Avatarfinder Customer Care
      February 1, 2016

      Hi Sally,

      Good afternoon and thanks for your question.
      The 2% fee is charged by the credit card issuer when transferring a balance from one account to another.


  8. Default Gravatar
    June 9, 2015


    If I get a cash advance on my BankWest card will the cash advance (with the higher interest rate) be paid before the previous purchases are paid.

    Kind Regards,

    • Avatarfinder Customer Care
      June 10, 2015

      Hi Kerry, thanks for your inquiry!

      That is correct, the repayments to a credit card are allocated to the portion of debt which has highest rate of interest first then to the second highest rate of interest and so forth.



  9. Default Gravatar
    December 19, 2013

    I cant seem to find an apply now link. Has the offer expired for the Bankwest Breeze MasterCard? I received the offer on the 12th December.

  10. Default Gravatar
    December 18, 2013

    Hi my wife and I currently have a Westpac MasterCard that is quite high and attracting a huge amount of interest. The card is in her name, can I still do the balance transfer if I get your card under my name?

    • Avatarfinder Customer Care
      December 18, 2013

      Hi Jeff.

      Please have a look at the table on this page. It has information on the institutions that allow you to transfer between two cards in different names under a balance transfer promotion.

      Thanks for your question.

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